Best Independent Insurance Agencies in North Charleston, SC (2026)
Local agencies that can compare more than one insurance company, ranked by a formula you can check.
Disclosure: Quote My Policy is not an insurance agency and is not on this list. No agency paid to be listed or was asked to take part. The order comes from a published scoring formula applied to facts each agency publishes about itself. Our reviewers are licensed agents in Anderson: Joshua Pannell, Katie Stone and JJ Taylor work at Select Insurance, LLC, and our founder Bryan DeVore owns an agency. Those agencies are left off every list.
Facts checked October 29, 2026
Reviewed by Bryan DeVore, Founder, Quote My Policy ·
North Charleston spans Charleston, Berkeley and Dorchester counties. This list covers independent agencies with an office in North Charleston.
Every agency here has an office in the area, says on its own website that it represents more than one insurance company, and has at least one named agent we found in the South Carolina Department of Insurance license search. The order comes from a fixed scoring formula, not from our opinion, and no agency paid or asked to be included.
See exactly how the points work on how we rank local agencies.
The 5 agencies, ranked
1. Roe & Associates, Inc.
Score 77/100Roe & Associates, Inc. is an independent agency with an office in North Charleston. In its own words: “We provide our clients access to the major insurance carriers in the industry, 24 hours a day 7 days a week”
Covers personal and business needs, including trucking, limousine and bonds, and offers Saturday hours.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Rhett Roe (Principal Agent), individual #181713; Raymond Roe, individual #143074
- Office: 7089 Rivers Ave, North Charleston, SC 29406 · 843-740-1723
- In business: 20 years of experience in the insurance market
- Hours: Mon–Thu 9:00 am–5:30 pm; Fri 9:00 am–5:00 pm; Sat 10:00 am–2:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 20/25
- Personal coverage offered
- 18/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 10/10
- Convenience
- 10/15
- Depth on the topic
- 5/5
2. Ferguson Insurance Team (North Charleston)
Score 74/100Ferguson Insurance Team (North Charleston) is an independent agency with an office in North Charleston. In its own words: “Being an independent insurance agency means we are not limited to one or a few different companies.”
Has protected Lowcountry families and businesses since 1981, with a second office in Walterboro.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Rhonda deLonge (Team Lead/Associate Agent), individual #393002; Kristina Hanley (Associate Agent), individual #486619
- Office: 9217-A University Blvd., North Charleston, SC 29406 · (843) 797-7285
- In business since 1981
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
3. W. C. Wilbur & Company (North Charleston)
Score 72/100W. C. Wilbur & Company (North Charleston) is an independent agency with an office in North Charleston. In its own words: “Offering competitive rate from over 20 different carriers, W.C. Wilbur’s independent insurance agents will always endeavor to find the best price and plan for you.”
In the same family since 1911, with a second office in Summerville.
Coverage listed on its website
- Auto
- Home
- Renters
- Boat
- RV
- Motorcycle
- Flood
- Business
- Farm
Found in the SC license search: William W. Walker, Jr. (Broker In Charge), individual #150766
- Office: 1072 East Montague Avenue, North Charleston, SC 29405 · 843-744-1662
- In business since 1911
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–12:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 14/20
- Business and farm coverage
- 10/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
4. Cornerstone Insurance Services and Wealth Advisory (North Charleston)
Score 60/100Cornerstone Insurance Services and Wealth Advisory (North Charleston) is an independent agency with an office in North Charleston. In its own words: “Today we have partnered up with more than 150 different top-rated insurance and investment companies.”
Pairs home, auto, business and life insurance with Medicare, retirement planning and wealth advisory services; additional teams serve Summerton and the Midlands.
Coverage listed on its website
- Auto
- Home
- Life
- Business
Found in the SC license search: David Armbruster (President Financial Division), individual #391662; Matthew Gouin (VP of Sales), individual #429726; Scott Grow (VP of Healthcare Division), individual #511015; John Bankowski (VP of Operations), individual #533195
- Office: 8550 Dorchester Rd, North Charleston, SC 29420 · (843) 376-3350
- In business since 2007
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–3:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 19/25
- Personal coverage offered
- 6/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 12/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
Visit Cornerstone Insurance Services and Wealth Advisory (North Charleston)’s website
5. KSA Insurance (North Charleston)
Score 51/100KSA Insurance (North Charleston) is an independent agency with an office in North Charleston. In its own words: “As an independent insurance agency, we have access to a full range of carriers and products, so you can find the exact coverage you need at the best possible rates.”
Founded in Charleston; handles personal and commercial insurance, bonds and employee benefits, with other offices in Mt. Pleasant, Anderson and Atlanta.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Umbrella
- Boat
- Flood
- Business
Found in the SC license search: John Foreman (Agency Principal), individual #551574; Pat Condon (Agency Principal), individual #562372; Randall Epps (Benefits Director), individual #565289
- Office: 2204 Meeting Street Road, North Charleston, SC 29405 · (843) 408-4232
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–3:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 14/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 9/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in North Charleston can produce more than one price. A captive agent represents a single company. Captive agents can be excellent; they just answer a different question, which is why we rank them separately or not at all.
What to have ready before you call
An agent can only compare what they can see. Five minutes of gathering saves a second round of calls.
- Your current declarations page, so the agent can match or improve the coverage you already have
- Driver's license numbers and vehicle VINs for everyone and everything on the policy
- For a home: year built, roof age and material, and any updates to wiring, plumbing or heating
- Any claims or tickets in the past five years, so quotes aren't revised later
- The date you need coverage to start
Check an agent's license yourself
Every person on these lists appeared in the South Carolina Department of Insurance license search when we checked. Licenses lapse and change, so look the person up yourself before you buy. Our step-by-step guide shows how, and what the search can and can't tell you.
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Tell us what you need and how you’d like to be reached. Quote My Policy LLC connects you with licensed insurance professionals. Quotes are free, with no obligation to buy.
Common questions
With a fixed formula of up to 100 points: years in business, the coverage the agency offers, how many of its named people we found in the South Carolina license search, whether it publishes its staff and hours, convenience (online quote requests, evening or Saturday hours, other languages) and depth on the topic. The full formula is on our How we rank page. We do not use reviews or star ratings.
No. No agency paid, and none was asked to take part. Quote My Policy is not an agency and is not on the list.
We include independent agencies with an office in North Charleston whose own website says they represent more than one insurance company, and with at least one named person we could find in the South Carolina Department of Insurance license search. If your agency meets those rules, email info@quotemypolicy.com with your website and we will check it the same way.
Each person we list by license number appeared in the South Carolina Department of Insurance individual license search on the date shown. The public search confirms a license record, not every detail of it, so look the agent up yourself before you buy.
Keep reading
Sources
Each agency’s own website, linked above, and the South Carolina Department of Insurance individual license search. Checked October 29, 2026. Spot an error? Email info@quotemypolicy.com and we will re-check it.
General information only, not insurance advice. Being on this list is not an endorsement, and leaving an agency off is not a judgment of it. Quote My Policy LLC connects you with licensed insurance professionals.